Sukoon Senior Citizen Health Insurance
Sukoon Insurance, formerly Oman Insurance Company, is a leading insurance company in the UAE, with its headquarters nestled in the vibrant city of Dubai. With a legacy dating back to its inception in 1975, Sukoon has been an unwavering pillar of support for individuals and businesses alike in the ...read more
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AED 1 million Health cover starting @4/Day
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Renowned for its comprehensive range of insurance products, Sukoon caters to the diverse needs of its valued clientele. With Sukoon senior citizen health insurance plans, the company offers peace of mind and financial security to its users.
In an ever-changing world, Sukoon Insurance remains steadfast in its commitment to safeguarding the health and well-being of senior citizens, ensuring that their golden years are filled with comfort and tranquillity. Let’s understand these Sukoon senior citizen health insurance plans better in this article.
Sukoon Senior Citizen Health Insurance Plans
Check out the table below for an overview of the Sukoon health insurance plans that can be obtained by senior citizens -
| Plan | Details |
|---|---|
| HealthPlus (Prime/Pro/Max/Home/HomeLite/Safe) |
|
| DHA EBP Plans (DHA Easy/DHA Family/DHA Family Plus) |
|
Key Benefits of Sukoon Senior Citizen Health Insurance
Here are the major benefits of Sukoon senior citizen health insurance -
- Extensive experience: In its 4+ decades of experience, Sukoon Insurance has served more than 500,000 members in the region and provided swift and accurate services.
- Simple reimbursement process: With Sukoon health insurance plans, you can consult doctors outside the network with a straightforward reimbursement claim process.
- Convenient online access: Enjoy access to direct billing network lists, hospital searches, and necessary forms via their website and mobile app.
- Home country treatment: Arrangements for medical treatment in your home country with roundtrip airfare coverage in select regions can be made with your Sukoon senior citizen health insurance plan.
- Flexible solutions: Customisable Employee Benefits solutions are available to meet specific needs and help you create a unique plan.
- Direct billing networks: You can have easy access to over 1,000 healthcare providers and 1,500 pharmacies across all the Emirates, with the option to extend direct billing internationally.
- Excellent customer service: A key benefit of these plans is personalised assistance from multilingual experts, who can understand your unique circumstances and communicate accordingly.
- Wide range of plans: A variety of comprehensive plans, including custom options, are available. All these plans comply with local regulatory authorities.
- Affordable options: Sukoon senior citizen health insurance is available in budget-friendly plans with customisable networks, limits, and deductible levels.
- Proactive wellness program: This is an exclusive program promoting a healthy lifestyle and early disease detection with monthly offers.
Eligibility Criteria for Sukoon Senior Citizen Health Insurance
Tabled below are the eligibility criteria for Sukoon senior citizen health insurance -
| Category | Eligibility Criteria |
|---|---|
| Maximum Age | 99 years |
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Inclusions of Sukoon Senior Citizen Health Insurance
Here are the general inclusions of Sukoon senior citizen health insurance -
- In-patient services — this includes coverage for treatment, tests, and more
- Hospital accommodation
- Tests and diagnostics
- Transportation services for medical emergency
- Cost of medicine
- Pathology, X-rays, and more
- Pre-existing and chronic conditions
Exclusions of Sukoon Senior Citizen Health Insurance
The general exclusions of Sukoon senior citizen health insurance are as follows -
- Cosmetic procedures
- Injuries or conditions due to self-harm
- Injuries or illnesses resulting from illegal activities
Given below are some frequently asked questions about Sukoon senior citizen health insurance -
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FAQ's
Ans: Yes, you can access medical care without a physical card. You can get your insurance validated via your Emirates ID at any healthcare unit in the UAE.
Ans: Yes, you can certainly use eCards for visa stamping.
Ans: Certain terms and conditions may apply when you visit a non-network facility depending upon your specific policy. The costs may have to be covered in full by you but you can apply for a reimbursement later on. Note that the deductibles may depend upon your specific policy terms as well for non-network care.
Ans: No, your Emirates ID cannot be utilised outside the UAE. This is because international direct billing is taken care of by Sukoon’s network partner MSH International, which needs eCards to check your eligibility.
Ans: Yes, your physical card is valid until its expiry date. If you forget it, you can use your Emirates ID or show your eCard. Make sure that your Emirates ID is registered with the company.
Ans: Yes, you can, as long as your newborn is enrolled in the policy. The primary insured (either parent) can generate an eCard for the baby.
Ans: Co-insurance means that you will be required to pay 20% of the total bill for covered outpatient services.
Ans: No, each needs to be renewed separately as they are not linked.
Ans: No, your insurance coverage won't be affected. You can use your eCard for eligibility verification with network providers even if your Emirates ID is no longer valid.
Ans: No, coverage for all family members (wife and children) with a valid Residence visa in the Emirate of Dubai is mandatory. There is no voluntary option for dependents.
Ans: All additions and deletions of members are done on a pro-rata basis.
Ans: This type of insurance is valid for specific applicants and their eligible dependents (including domestic staff). It covers those with a salary of AED 4,000 or less (DHA Easy and DHA Family) as well as those with a salary above AED 4,000 (DHA Family Plus).
Ans: Outpatient treatments are limited to clinics only. Specialist visits require a referral from a network general practitioner, following the DHA referral system.
Ans: From the date of receiving completed documentation, it usually takes up to 14 working days to set up and issue your policy and cards, excluding any regulatory delays. Timely submission of required documents is advised.
Ans: Yes, all benefit limits include co-insurance wherever applicable.
Ans: For Essential Benefit Plan members, costs incurred for specialist consultations or treatments are only payable if the insured individual first consults a General Practitioner (as designated by DHA) who must provide a referral via the DHA e-referrals system.
Ans: DHA minimum preventive services include screenings for diabetes, hepatitis C virus, cancer, adult pneumococcal conjugate vaccine, and hepatitis B virus.
Ans: Sukoon health insurance plans have varying maximum annual limits in the range of AED 150,000 to AED 5 million.
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